Personal Retirement Planning
Unbiased, unrestricted, fee-only retirement planning and advice which is not affected by product provider influence or remuneration. All of our clients enjoy zero-commission investing and cost efficient execution
Work Hard (don’t neglect family and friends) + Don't waste your money + Save what you don't spend + Invest the difference (as inexpensively as possible) + Plan for the worst (death, illness or disability) = highest probability of desired outcome.
Getting to Know You!
Do you have existing pension arrangements? We are able to offer advice on their investment allocation and wider suitability. Note: we do not offer advice on Hong Kong's MPF. However we are strong advocates of the MPF and encourage people to consider making additional voluntary contributions where possible.
If you do not have any pension provision (outside of work based schemes) we will help you to avoid the pitfalls that far too many expats encounter. Specifically we will counsel you from ever purchasing a contractual savings plan (in Hong Kong they are called ILAS products). In short they are too expensive, serve to line the pockets of the salesperson selling them and the insurance company offering them. Note: avoid contractual savings plans entirely. If you are an Expat in Hong Kong or Asia avoid buying an ILAS (Insurance Linked Life Assurance) plan and read this.
UK onshore SIPPs (self-invested personal pensions) are often relevant to our international clientele. If you are considering a pension transfer we can provide a referral to fee-based UK FCA regulated and authorised professionals to ensure you get regulated best advice in these areas. DO NOT TAKE PENSION TRANSFER ADVICE FROM ANY PERSON OR ENTITY THAT IS NOT UK FCA REGULATED AND AUTHORISED. Check this register!
Full Disclosure: We do not receive any payment for any referral we make to our UK FCA regulated Pension Specialist partner. What we do get in return is referrals from them on the same basis (we pay them zero) for Expats in Asia wanting fee-based investment and financial planning services.
In any event we will guide you through the process and provide advice on suitable products, investment funds and tax-advantaged savings whilst taking into consideration your attitude to risk, number of years to retirement and your desired lifestyle. We will work with you to establish your current situation and quantify the pension, savings and investment funds you will need to sustain your chosen lifestyle in retirement.
How much will it cost?
It is important that you know how we are remunerated, click here for full details. Fee-based means just that. There are no commissions. Period.
Why don't you also ask your employer about providing a scheme for you or if they have one reviewing it? Hong Kong has incredible group retirement legislation in the form of the Occupational Retirement Schemes Ordinance (ORSO). It’s one of the most flexible in the world. See our Group Retirement Planning page for more.
Kick the tyres!
Verify our Hong Kong Regulatory status here. Never take investment advice in Hong Kong from an entity or person not on this register. In short, they are not legally able to give investment advice if not on the register. Note: Authorisation or regulation by the SFC does not imply official recommendation.
Come for a chat; hit this link to make an appointment or to request further information. An initial meeting of up to one hour is free.
Not ready to talk yet?
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Check out the professional bodies with which our team are members and hold hard earned professional qualifications and designations such as MCSI, MHKSI and FHKSI. Be wary of taking investment advice from an entity or person not formally associated with a credible professional body. Membership of such bodies requires significant ongoing commitment to retain any designation along with unwavering integrity.